it 2 bian case studies june 2013 k_ketels
DESCRIPTION
Presentation from the Swiss Standards Forum in October 2013TRANSCRIPT
Selected Case Studies
Kris Ketels
SWISS forum for financial standards
Oct 17th 2013
Copyright BIAN 2013 | Banking Industry Architecture Network
Agenda
SunGard
IBM (BIAN - IFW)
Microsoft
ING - Infosys
SAP (2x)
Scotiabank
Singapore Management University
2
Copyright BIAN 2013 | Banking Industry Architecture Network 3
Ambit Core Banking is based on the Banking Industry Architecture
Network (BIAN) standards and built using a componentized
service-orientated architecture, allowing banks to implement only
the functionality they require in a manageable and phased way.
This approach also enhances a bank’s organizational agility as it
helps the bank to adapt more quickly to market changes
www.sungard.com
Service Orientated Discovery & Analysis = SODA
www.sungard.com
What is SODA?
• SunGard’s Service-Oriented Discovery and Analysis (SODA) is an
approach based on BIAN’s methodology and approach, to discover
services by mean of finding the right model for a complex problem
• SODA consists of the following:
1. A set of templates that are based on AMBIT Reference
Architecture and BIAN’s Methodology and Standards:
2. A Service Landscape
3. A unify semantics that is used to govern the methodology
www.sungard.com
SunGard’s adoption of SOA & BIAN’s service Landscape
Subject Characteristics
Business
Domain
• Grammar for organizing service domains
• Arbitrary, but necessary for conversation
• Meaning is context driven
• Multiple responsibilities, 1 business purpose
Service Domain • One focus object
• Unique responsibility, collection of capabilities
• Business separable organization unit
• Handles ever relevant occurrence – “complete”
• End-to-end lifecycle
Service • Single activity in a business function
• Distinct purpose
• Fails the sub-domain test
Service
Operations &
Components
• Utility / tool
• No independent business value
• Inherently re-useable
• Loosely coupled to business actions
www.sungard.com
SunGard’s service identification approach
Business Domain
Service Domain
Service operations
Business Area
Service Groups
Business Functions
Responsibility
Existing assets
Capabilities Service
Repository
BIAN Sungard
www.sungard.com
Putting it all together with BIAN
www.sungard.com 9
Non IT and HR Enterprise Services
Payments Account Management
Collateral Administration
Operational Services
Business Planning
Bank Portfolio & Treasury
Regulations & Compliance
Models
Corporate Banking Products
Trade Finance
Corporate Financing & Advisory Services
Market Operations
Wholesale Trading
Investment Management
Consumer Services
Cards
Consumer Loans & Deposits
Marketing
Servicing
Customer Mgmt
Sales
Channel Specific
Product Management
Market Data
Party
External Agency
IT Management
Cross Product Operations
Payments Execution
Cheque Processing
Cash/Currency Inventory
Wire Room
Transaction Engine
Cash Account Record
Position Management
Accounts Receivable
Account Reconciliation
Fraud Detection
Reward Points Account
Collateral Management
Collateral Asset Administration
Collections
Consolidated Customer Activity
Card Issuance
Rewards Points Administration
Billing Services
Corporate Credit Facility
Corporate Loan
Cash Mgmt & Account Svs
Cheque Lock Box
Letter of Credit
Bank Guarantee
Trade Finance Services
Corporate Finance Services
M&A Advisory Services
Corporate Tax Advisory Svs
Public Offering
Private Placement
Mutual Fund Administration
Hedge Fund Administration
Unit Trust Administration
Order Allocation
Clearing & Settlement
Securities Fails Processing
Trade/Price Reporting
Custody Administration
Customer Entitlement Admin.
Securities Valuation
Trading Book Oversight
Dealer Workbench
Market Making
Assisted Trading
Program Trading
Market Trading
Order Management
Investment Portfolio Planning
Investment Portfolio Analysis
Investment Portfolio Mgmt
eTrading
Currency Exchange
Remittance Services
Trust Services
Brokered Product
Bank Drafts & T Checks
Consumer Investments
Card Facility
Card Authorization
Card Capture
Merchant Relations
Card Billing & Payments
Secured Loans
Unsecured Loans
Consumer Finance
Current Account
Deposit Account
Business Development Policies
Business Development
Brand Management
Advertising
Promotional Events
Prospect Campaign Mgmt
Prospect Campaign Design
Customer Campaign Mgmt
Customer Campaign Design
Customer Surveys
Servicing Issue
Case Management
Case Resolution Analysis
Customer Case
Card Case
Customer Relationship Mgmt
Customer Agreement
Customer Product Coverage
Customer Event History
Customer Behavioral Insights
Customer Credit Rating
Account Recovery
Prospect Campaign Execution
Customer Campaign Execution
Prospect Management
Commission Agreement
Commission Transaction
Product Matching
Sales Planning
Offer Management
Underwriting
Product Expert Sales Support
Call Center Management
Branch Currency Distribution
Product Inventory Item Mgmt
Product Inventory Distribution
Branch Network Mgmt
E-Branch Management
PBX Management
ATM Network Management
Call Center Operations
Branch Network Operations
E-Branch Operations
PBX Operations
ATM Network Operations
Branch Currency Management
Product Design
Product Combination
Product Deployment
Product Training
Product Quality Assurance
Product Pricing Facility
Market Feed Administration
Market Feed Operation
Market Information Mgmt
Financial Market Analysis
Financial Market Research
Quantitative Analysis
Market Data Dissemination Adm
Market Data Dissemination Ops
Financial Instrument Maint.
Reference/Directory Mgmt
Counterparty Administration
Credit Agency Service Ops
Party Data Management
Party Profile
Credit Agency Service Agmt
Syndicate Management
Correspondent Bank Data Mgmt
Sub Custodian Agreement
Product Broker Agreement
Product Service Agency
Contractor/Supplier Agreement
Correspondent Bank Rel Mgmt
Cross Channel Servicing Position
Servicing Activity Analysis
Contact Routing
Contact Dialogue
Interactive Help
Servicing Event History
Business Command & Control
Business Unit Budget
Business Unit Financial Analysis
Business Unit Financial Ops
Business Unit Accounting
Organizational Model
Business Unit Management
Business Unit Operations
Finance Financial Statements
Financial Control
Financial Compliance Resolution
Tax Administration
Buildings, Equipment and Facilities
Property Portfolio
Site Operations
Site Administration
Equipment Administration
Equipment Maintenance
Utilities Administration
Building Maintenance
Internal Audit
Procurement
Fixed Asset Register
Legal Assurance
Supplier Management
Company Billing & Payments
Market Research
Customer Portfolio
Segment Plan
Market Analysis
Competitor Analysis
Product Portfolio
Branch Portfolio
Channel Portfolio
Stock Lending/Repos
Treasury Management
Treasury Administration
Asset Securitization
Factoring
Asset & Liability Management
Bank Portfolio Analysis
Bank Portfolio Administration
Fraud/AML Resolution
Guideline Compliance
Regulatory Compliance
Compliance Reporting
Financial Accounting
Market Risk Models
Gap Analysis
Credit Risk Models
Customer Behavior Models
Credit/Margin Policies
Production Risk Models
Operational Risk Models
Fraud Models
Liquidity Risk Models
Economic Capital
Business Risk Models
Counterparty Risk
Systems Administration
IT Policies & Plan
IT Arch Stds & Guidelines
Development Environment
System Development
Production Release
System Deployment
Systems Operations
Platform Operations
Systems Help Desk
Systems Assurance
Internal Network Operations
Human Resource Management
Business Direction
Knowledge & IP Management
Corporate Relations
Document Mgmt & Archive
HR Policies & Plan
Employee Assignment
Employee Record
Employee/Contractor Contract
Employee Certification
Employee Assessment
Employee Payroll & Incentives
Travel & Expenses
Employee Access Profile
Employee Benefits
Workforce Training
Recruitment
Corporate Strategy
Corporate Policies
Product & Service Policies
Business Architecture
Continuity Planning
Management Manual
Intellectual Property Portfolio
Knowledge Exchange
Corporate Communications
Corporate Alliance/Stakeholder
Corporate Relationship
Regulatory & Legal Authority
Investor Relations
Document Services
Archive Services
Correspondence
Corporate Products Financial Markets Consumer Products
Reference Data Sales & Service Business Support Analytics Operations & Execution
Security Services
Security Assurance
Valuation Models
Business Area Business Domain Service Domain
The BIAN Service Landscape
www.sungard.com
SODA Methodology & Vocabulary
SODA methodology: Defines the process and the necessary templates
required for Service-Oriented Discovery and Analysis.
SODA Vocabulary: Defines the vocabularies within the unify language that
will be used as a basis for semantic interoperability of EBS 3.
Related documents:
1. BIAN Service Discovery Meta-model
• Defines the process and the principles for service discovery and
modeling.
www.sungard.com
Service Landscape
Service Landscape: Illustrates how the business is modeled, and the SL
will be the main functional reference model for the EBS 3 project.
Related documents:
1. Business Areas Definitions
• Defines the role of each of the Business Area in the Service
Landscape, also the business functions, products or activities that
are not covered by the business area.
2. Business Domains Definitions
• Defines the business specialty that each Domain is focusing on,
within the Business Area.
www.sungard.com
Business Objects Definitions
Business Objects: Represents the entities in the business domain that the
program is designed to support. For example, an order entry program might
have business objects to represent each order, line items, and invoices.
Business Objects are not necessary a physical object in the real world.
Business Objects Definitions: This definition specifies the structure and
organization of the business object's attributes, values, and metadata.
View Objects: The view object made up of one or more entity objects.
Entity Objects: The entity object is similar to a table.
Focus Objects: The object to be used in the subject of discussion or
conversation. In this case, it refers to the object to be used in the sub-domain
level definition.
Semantic: The business object definitions has to follow the SODA
vocabulary, to ensure interoperability.
www.sungard.com
Business Scenarios
Business scenarios are an important technique to derive the characteristics
of the architecture directly from the high-level requirements of the business.
They are used to help identify and understand business needs, and thereby
to derive the business requirements that the architecture development has to
address.
A business scenario describes:
1. A business process, application, or set of applications that can be
enabled by the architecture
2. The business and technology environment
3. The people and computing components (called "actors") who execute
the scenario
4. The desired outcome of proper execution
www.sungard.com
All Combine to give us Ambit Core Banking
CBS 9.x
ARCH
BIAN SL
www.sungard.com
Ambit Core Banking: Reference Architecture
Simple BIAN Business Scenario
Customer initiates payment transfer (from any channel)
The target facility is checked for any payment restrictions/rules (minimum/maximum)
The current account balance is then checked
Funds are available so the transfer fee is levied to the customer and profit posted
The transfer initiated with a payment transaction
The appropriate payment channel is selected and the transaction tested for fraud/AML purposes
The customer current account is debited and the saving deposit account credited
A transaction notification message is generated for the customer
Product Design
Current Account
Customer Account
Customer Agreement
Payments Execution
Fraud Detection
Is transfer to facility allowed?
Check current balance
Provide current a/c statement
Check transfer terms
Provide facility details and terms
Capture transfer request details
Charge service fee
Initiate transfer
Capture payment & mechanism (inter a/c)
Post charge to current a/c
Invoke fraud/AML test
Execute fraud/AML transfer test
Debit customer a/c
Process debit
Deposit Account
Book service charge
Post fee to P&L a/c
Initiate notification
Post transfer debit to current a/c
Credit customer savings a/c
Process credit
Post transfer credit to deposit a/c
Provide facility payment rules
Correspon-dence
Generate transfer notification message
Scenario: The customer makes a transfer payment from their current account to a savings account
Service Domain Name Focus Object
The focus object URL Description
An outline of the business role taken from the V1.5 definition, expanded as necessary Reference Object(s)
Reference Objects
Responsibility Category
Initialize & Register
Invocation & Execution
Maintain & Analyze
Report & Notify
Responsibility Description Responsibility
Name
Delegated Service Domain
Delegated Service Description
Capability/
Delegation
Delegated Service
Operation
Service Operation
Description
Service Operation
Name
The primary activity setting up a new record
Process New Record Request
NA NA M/C NA A service used to
set up a new instance
Create Focus Object
Arrange for the set-up of a supporting customer account for the facility
Request customer account
Customer Account Set up a new account D
Create customer account
Check history to see if a similar application has
been processed/rejected
Check for possible
duplicates NA NA C NA
Check and extract amount from the balance
Debit the account
Customer Account Make a withdrawal D Withdrawal
to account
Get the account activity and calculate and apply
end of day interest
Calculate daily interest
Customer Account
Get account statement for the day D Report on
account
Update the tax accumulated positions for
the account
Maintain account tax
position NA NA C NA
Capture and verify a deposit request
Process Deposit Request
NA NA C NA A service used to make a deposit to
the account
Process Deposit
The primary activity setting up a new record
Process New Record Request
NA NA M/C NA A service used to
set up a new instance
Create Focus Object
The primary activity setting up a new record
Process New Record Request
NA NA C NA A service used to
set up a new instance
Create Focus Object
Capture and verify a withdrawal request
Process Withdrawal
Request NA NA C NA
A service used to make a payment from the account
Process Payment
Capture and verify a payment request
Process Transfer Request
NA NA M/C NA A service used to make a transfer from the account
Process Transfer
Make an inter-account transfer
Transfer payment
Payment Execution Make a transfer D Payment
request
Determine and apply fees to the current account
Calculate and apply fees
Customer Account Post fees to the account D Post
charges
Make payments corresponding to standing orders
Execute Standing
Orders
Payment Execution
Process Payments for Standing Orders D Payment
execution
Identify a customer account matching given
details
Query Customer Account
NA NA C NA A service used to identify/query a
customer account
Query Account
Assemble and respond to a read account request
Read Customer Account
NA NA C NA A service used to read a customer
account Read Account
Assemble a report covering many customer
accounts
Get Customer Account Report
NA NA C NA A service to read a
report covering customer accounts
Read Account Report
URL
Identifiers
Depiction
Status
Control
Session
Analysis
View
Identifiers
Depiction
Status
Control
Session
Analysis
View
Input Parameters Output Parameters
Pre-conditions
Post-conditions
URL
ID
Address
Active
Date
Caller ID
Age
Report
ID
Address
Active
Date
Caller ID
Age
Report - -
URL
ID
Amount
ID
Result - -
URL
ID
Address
Active
Date
Caller ID
Age
Report
ID
Address
Active
Date
Caller ID
Age
Report - -
URL
ID
Address
Active
Date
Caller ID
Age
Report
ID
Address
Active
Date
Caller ID
Age
Report - -
URL
ID
Am
ount
ID
Result - -
URL
ID
Amount
ID
Result - -
URL
ID
Reference
ID - -
URL
ID
ID
Reference
- -
URL
ID ID
Reference
- -
Notify subscribers on the event of an account
change
Notify Account Update
NA NA C NA
Non IT and HR Enterprise Services
Payments Account Management
Collateral Administration
Operational Services
Business Planning
Bank Portfolio & Treasury
Regulations & Compliance
Models
Corporate Banking Products
Trade Finance
Corporate Financing & Advisory Services
Market Operations
Wholesale Trading
Investment Management
Consumer Services
Cards
Consumer Loans & Deposits
Marketing
Servicing
Customer Mgmt
Sales
Channel Specific
Product Management
Market Data
Party
External Agency
IT Management
Cross Product Operations
Payments Execution
Cheque Processing
Cash/Currency Inventory
Wire Room
Transaction Engine
Cash Account Record
Position Management
Accounts Receivable
Account Reconciliation
Fraud Detection
Reward Points Account
Collateral Management
Collateral Asset Administration
Collections
Consolidated Customer Activity
Card Issuance
Rewards Points Administration
Billing Services
Corporate Credit Facility
Corporate Loan
Cash Mgmt & Account Svs
Cheque Lock Box
Letter of Credit
Bank Guarantee
Trade Finance Services
Corporate Finance Services
M&A Advisory Services
Corporate Tax Advisory Svs
Public Offering
Private Placement
Mutual Fund Administration
Hedge Fund Administration
Unit Trust Administration
Order Allocation
Clearing & Settlement
Securities Fails Processing
Trade/Price Reporting
Custody Administration
Customer Entitlement Admin.
Securities Valuation
Trading Book Oversight
Dealer Workbench
Market Making
Assisted Trading
Program Trading
Market Trading
Order Management
Investment Portfolio Planning
Investment Portfolio Analysis
Investment Portfolio Mgmt
eTrading
Currency Exchange
Remittance Services
Trust Services
Brokered Product
Bank Drafts & T Checks
Consumer Investments
Card Facility
Card Authorization
Card Capture
Merchant Relations
Card Billing & Payments
Secured Loans
Unsecured Loans
Consumer Finance
Current Account
Deposit Account
Business Development Policies
Business Development
Brand Management
Advertising
Promotional Events
Prospect Campaign Mgmt
Prospect Campaign Design
Customer Campaign Mgmt
Customer Campaign Design
Customer Surveys
Servicing Issue
Case Management
Case Resolution Analysis
Customer Case
Card Case
Customer Relationship Mgmt
Customer Agreement
Customer Product Coverage
Customer Event History
Customer Behavioral Insights
Customer Credit Rating
Account Recovery
Prospect Campaign Execution
Customer Campaign Execution
Prospect Management
Commission Agreement
Commission Transaction
Product Matching
Sales Planning
Offer Management
Underwriting
Product Expert Sales Support
Call Center Management
Branch Currency Distribution
Product Inventory Item Mgmt
Product Inventory Distribution
Branch Network Mgmt
E-Branch Management
PBX Management
ATM Network Management
Call Center Operations
Branch Network Operations
E-Branch Operations
PBX Operations
ATM Network Operations
Branch Currency Management
Product Design
Product Combination
Product Deployment
Product Training
Product Quality Assurance
Product Pricing Facility
Market Feed Administration
Market Feed Operation
Market Information Mgmt
Financial Market Analysis
Financial Market Research
Quantitative Analysis
Market Data Dissemination Adm
Market Data Dissemination Ops
Financial Instrument Maint.
Reference/Directory Mgmt
Counterparty Administration
Credit Agency Service Ops
Party Data Management
Party Profile
Credit Agency Service Agmt
Syndicate Management
Correspondent Bank Data Mgmt
Sub Custodian Agreement
Product Broker Agreement
Product Service Agency
Contractor/Supplier Agreement
Correspondent Bank Rel Mgmt
Cross Channel Servicing Position
Servicing Activity Analysis
Contact Routing
Contact Dialogue
Interactive Help
Servicing Event History
Business Command & Control
Business Unit Budget
Business Unit Financial Analysis
Business Unit Financial Ops
Business Unit Accounting
Organizational Model
Business Unit Management
Business Unit Operations
Finance Financial Statements
Financial Control
Financial Compliance Resolution
Tax Administration
Buildings, Equipment and Facilities
Property Portfolio
Site Operations
Site Administration
Equipment Administration
Equipment Maintenance
Utilities Administration
Building Maintenance
Internal Audit
Procurement
Fixed Asset Register
Legal Assurance
Supplier Management
Company Billing & Payments
Market Research
Customer Portfolio
Segment Plan
Market Analysis
Competitor Analysis
Product Portfolio
Branch Portfolio
Channel Portfolio
Stock Lending/Repos
Treasury Management
Treasury Administration
Asset Securitization
Factoring
Asset & Liability Management
Bank Portfolio Analysis
Bank Portfolio Administration
Fraud/AML Resolution
Guideline Compliance
Regulatory Compliance
Compliance Reporting
Financial Accounting
Market Risk Models
Gap Analysis
Credit Risk Models
Customer Behavior Models
Credit/Margin Policies
Production Risk Models
Operational Risk Models
Fraud Models
Liquidity Risk Models
Economic Capital
Business Risk Models
Counterparty Risk
Systems Administration
IT Policies & Plan
IT Arch Stds & Guidelines
Development Environment
System Development
Production Release
System Deployment
Systems Operations
Platform Operations
Systems Help Desk
Systems Assurance
Internal Network Operations
Human Resource Management
Business Direction
Knowledge & IP Management
Corporate Relations
Document Mgmt & Archive
HR Policies & Plan
Employee Assignment
Employee Record
Employee/Contractor Contract
Employee Certification
Employee Assessment
Employee Payroll & Incentives
Travel & Expenses
Employee Access Profile
Employee Benefits
Workforce Training
Recruitment
Corporate Strategy
Corporate Policies
Product & Service Policies
Business Architecture
Continuity Planning
Management Manual
Intellectual Property Portfolio
Knowledge Exchange
Corporate Communications
Corporate Alliance/Stakeholder
Corporate Relationship
Regulatory & Legal Authority
Investor Relations
Document Services
Archive Services
Correspondence
Corporate Products Financial Markets Consumer Products
Reference Data Sales & Service Business Support Analytics Operations & Execution
Security Services
Security Assurance
Valuation Models
Business Area Business Domain Service Domain
The BIAN Service Landscape
Copyright BIAN 2013 | Banking Industry Architecture Network
Agenda
SunGard
IBM (BIAN - IFW)
Microsoft
ING - Infosys
SAP (2x)
Scotiabank
Singapore Management University
16
© 2013 International Business Machines Corporation 17
BIAN Core Team Meeting – IBM La Gaude, June 2013
FSDM FSFM FSWM
CBPs
FS-BOM BSTs
Understand and
Scope
The Issue
The Solution
BDWM FS-IDM CBP’s Expanded
Specify and
Design
Construct
Using IFW Models for Overall
Application Development
© 2013 International Business Machines Corporation 18
BIAN Core Team Meeting – IBM La Gaude, June 2013
Positioning: IFW & BIAN Service Landscape
IFW Foundation Models overlaps
with BIAN Service Landscape in
scope.
FSDM & FSWM define the
vocabulary (nouns & verbs
respectively).
FSFM defines the functional
decomposition.
Process & Integration Models and
Data Models are not only
complimentary, but essential to
implementing BIAN Service
Landscape.
IFW FOUNDATION MODELS
FSDM FSFM FSWM
IFW PROCESS & INTEGRATION
MODELS
PROCESS MODELS
FS-BOM
FS-IDM
IFW DATA
MODELS
BDWM
BSTs
WCC
© 2013 International Business Machines Corporation 19
BIAN Core Team Meeting – IBM La Gaude, June 2013
IFW FOUNDATION MODELS
FSDM FSFM FSWM
IFW PROCESS & SERVICE
MODELS
APM
BOM
IDM
IFW DATA
MODELS
BDWM
BSTs
ASTs
IT Implementations
conforming to
BIAN Service Domains
IFW Foundational Models
overlap with BIAN Service
Landscape
IFW Process & Service Models
complement BIAN Service
Landscape
© 2013 International Business Machines Corporation 20
BIAN Core Team Meeting – IBM La Gaude, June 2013
Positioning: IFW Process Models & BIAN Service
Landscape
For a given BIAN Service
Operation, APM provides the
detailed activity flow model that
describes the high level service
behavior.
The activity flow model includes
the activities that are performed
when the service is executed as
well as the control flow and data
flow defined over the set of
activities
IFW FOUNDATION MODELS
FSDM FSFM FSWM
IFW PROCESS & INTEGRATION
MODELS
PROCESS MODEL
FS-BOM
FS-IDM
IFW DATA
MODELS
BDWM
BSTs
WCC
© 2013 International Business Machines Corporation 21
BIAN Core Team Meeting – IBM La Gaude, June 2013
Positioning: IFW BOM & BIAN Service Landscape
BOM provides the detailed
structural definition in the form of
class diagrams for the Focal
Object in Service Landscape.
Note that the Focal Object defines
the context for the BIAN Service
Operations.
BOM also describes the set of
services signatures, in the form of
use cases, for the set of
automatable activities defined in
the APM
IFW FOUNDATION MODELS
FSDM FSFM FSWM
IFW PROCESS & INTEGRATION
MODELS
PROCESS MODELS
FS-BOM
FS-IDM
IFW DATA
MODELS
BDWM
BSTs
WCC
© 2013 International Business Machines Corporation 22
BIAN Core Team Meeting – IBM La Gaude, June 2013
Positioning: IFW IDM & BIAN Service Landscape
IDM provides the detailed
specifications for the participating
IT services defined in the BOM.
BIAN Service Operations help
define the boundary of business
components in the business
architecture whereas the IDM
services define the interfaces of
IT components in an SOA
solution.
IDM provides a sequence
diagram for composite services
helping to identify the constituent
atomic services and their
sequencing.
IFW FOUNDATION MODELS
FSDM FSFM FSWM
IFW PROCESS & INTEGRATION
MODELS
PROCESS MODELS
FS-BOM
FS-IDM
IFW DATA MODELS
BDWM
BSTs
WCC
Copyright BIAN 2013 | Banking Industry Architecture Network
Agenda
SunGard
IBM (BIAN - IFW)
Microsoft
ING - Infosys
SAP (2x)
Scotiabank
Singapore Management University
23
Copyright BIAN 2013 | Banking Industry Architecture Network
Microsoft and BIAN
24
Copyright BIAN 2013 | Banking Industry Architecture Network
Microsoft and BIAN
25
Copyright BIAN 2013 | Banking Industry Architecture Network
Microsoft and BIAN
26
Copyright BIAN 2013 | Banking Industry Architecture Network
Agenda
SunGard
IBM (BIAN - IFW)
Microsoft
ING - Infosys
SAP (2x)
Scotiabank
Singapore Management University
27
Copyright BIAN 2013 | Banking Industry Architecture Network
ING – INFOSYS CASE STUDY
Based on a Proof of Concept end 2011
28
Copyright BIAN 2013 | Banking Industry Architecture Network
Scenario: Selection
Infosys and ING jointly agreed to carry out a pilot implementation of a BIAN use-case to
Manage fund transfer from Current A/C to Saving A/C
The delivery of this pilot has been done according to the agreed acceptance criteria (see
appendix)
This particular scenario was chosen because:
It is simple to be delivered within the timeline
It is implementable in the near future in the ING Express program
It covers a number of business domains defined in BIAN and hence the pilot can showcase BIAN
coverage
The scenario is implementable in ING, and it is comprehensive
enough to showcase BIAN coverage but is still simple enough to meet
the timeline
Copyright BIAN 2013 | Banking Industry Architecture Network
Approach
• Internal payment transfer was selected as the business use case
• As process needed to be generic, the actual implementation might need rearrangement of orchestration as per requirement
Scope
• Requirement Analysis was carried out
• Multiple sessions conducted with ING architects/business analysts to gather and validate the requirements
ING
• BIAN documentations relevant to the usecase were analysed
• Gaps between BIAN and ING use case were identified (Service Operations)
BIAN
• Identified the BIAN service domains needed to fulfil the business use case.
• Conducted iterative demos for continuous feedback and revision mechanism from ING and BIAN architects.
Mapping ING Requirements to BIAN
• Pilot needed to keep service operation definitions as generic and reusable as possible (BIAN L3 still in work in progress state)
• Use standard format (ISO20022) and minimize message translation Service Design
• Use simple set of SOA/TIBCO products to achieve timeline and also to have wider acceptance
• Use ING Lab to test & deploy the pilot Implementation
Copyright BIAN 2013 | Banking Industry Architecture Network 31
Payments Use Case – Payments Part 1
Current Account
Customer Account
Customer Agreement
Payments Execution
Fraud Detection
Remittance Services
Wire Room Correspon-dent Bank
Customer at the branch asks to transfer funds between two active accounts. The balance availability is checked and an internal transfer initiated
Payment Execution transfers the balance between the two accounts and post the fee to the product P&L account
The customer wants to continue by remitting funds to an overseas account. The customer balance is sufficient and the identification has already been satisfied. A remittance product is initiated and the creditor/payee accounts captured. The appropriate correspondent banks and their SSIs, obtained. As the transaction is executed, fraud scanners are invoked and the SWIFT payment message generated
Scenario: The customer makes a transfer payment from their current account to a second account and then
then wires a remittance to an overseas account
Customer at the teller makes a funds transfer
1
Agreement terms checked for pricing
3
Account balance checked for funds
5
Account balance provided
7
Inter account transfer initiated
9
Creditor account debited (includes fees)
12
Creditor account debited amount + fee
14
Beneficiary account updated
15
Beneficiary account credited
17
Fees booked to product P&L account
18
Fees booked to product account
20
Customer next makes a remittance
21
Cross border details captured
23
Corresponded Bank SSI’s obtained
24
International payment transaction initiated
28
Creditor account debited (includes fees)
35
Creditor account debited amount + fee
37
Vostro/Nostro account updated
38
Correspondent Vostro/Nostro posted transfer
40
Fees booked to product P&L account
41
Fees booked to product account
43
Payment parties and mechanism defined
26
Payment S.W.I.F.T. message generated
44
Payment S.W.I.F.T. message generated
46
Transaction checked for possible fraud
30
Fraud scanners run 32 Transfer executed 34
Transfer executed 11
2
4
6
8
10
13
16
19
22
25
27
29
31
33
36
39
42
45
Copyright BIAN 2013 | Banking Industry Architecture Network 32
Payments Use Case – Payments Part 2
A batch of checks is processed for deposits to current customers
For each the status of the account is checked before an internal transfer moves the funds from the ACH account to the customer account.
A Direct debit request is received and routed for processing, the mandate is found and the corresponding customer agreement checked for direct debit processing. the balanced is checked before a debit payment is initiated,
The payment is made to the vendors account through an ACH payment
Scenario: A customer check is processed and the customer account credited. Then a payment is made under
an existing Direct Debit mandate
Batch of paper checks read for execution
47 48
Check Processing
Current Account
Payment Execution
Customer Account
Correspondence
Direct Debit Customer
Agreement
Payment deposit initiated for customer
49
Status of current Account checked
50
Account active 52
Payment deposited 55
ACH balance debited for deposited payment
58
51
54
57
Account credited 53
ACH account debited 56
Receive DD payment request
59
DD payment matched to customer, agreement checked
61
Mandate covered under agreement
63
Customer account balanced checked
65
Provide current Account balance
67
Initiate funds transfer 69
Transfer executed 71
Unscheduled account withdrawal
74
Customer account debited (includes fee)
72
Debit posted to the account
76
Fees booked to product account
79
ACH based payment Pending debit posted
80
ACH account debit posted
82
Wire Room
ACH DD payment made
83
ACH payment message generated
85
Direct Debit fee posted
77
60
62
64
66
68
70
73
75
78
81
84
Copyright BIAN 2013 | Banking Industry Architecture Network
How identified services mapped to BIAN service
landscape
Referenc
e Data
Sales and
Service
Operation & Execution Analytic
s
Business
Support Consumer
Products
Financial
Market
Corporat
e
Products
Cross Products
Operations
Customer
Management
Customer
Agreement
Consumer
Loans and
Deposits
Current
Account
Deposit
Account
Payments
Payment
Execution
Account
Management
Customer
Account
Fraud Detection
IT
Management
System
Assurance
Document
Mgmt &
Archive
Correspondenc
e
The services identified are mapped across multiple Business & Service domains in BIAN Service Landscape
Copyright BIAN 2013 | Banking Industry Architecture Network
Market Operations
Trading
Investment Management
Corporate Banking Products
Trade Finance
Corporate Financing & Advisory Services Marketing
Servicing
Payments
Account Management
Collateral Administration
Operational Services
Cross Channel
Channel Specific
Customer Mgmt
Sales
Consumer Loans & Deposits
Cards
Consumer Services
Sales & Service Reference Data Business Support Analytics Operations & Execution
Financial Markets
Mutual Fund Administration
Hedge Fund Administration
Unit Trust Administration
Order Allocation
Clearing & Settlement
Securities Fails Processing
Trade/Price Reporting
Custody Administration
Customer Entitlement Admin.
Securities Valuation
Trading Book Oversight
Dealer Workbench
Market Making
Assisted Trading
Program Trading
Market Trading
Order Management
Investment Portfolio Planning
Investment Portfolio Analysis
Investment Portfolio Mgmt
Corporate Products
Corporate Credit Facility
Corporate Loan
Cash Mgmt & Accounting Svs
Cheque Lock Box
Letter of Credit
Bank Guarantee
Trade Finance Services
Taxation Services
Corporate Finance Services
M&A Advisory Services
Corporate Tax Advisory Svs
Public Offering
Private Placement
Business Development Policies
Business Development
Brand Management
Advertising
Promotional Events
Prospect Campaign Portfolio
Prospect Campaign Design
Prospect Campaign Execution
Customer Campaign Portfolio
Customer Campaign Design
Customer Campaign Execution
Prospect Management
Customer Surveys Business Planning
Market Research
Customer Portfolio
Segment Plan
Segment Assessment
Market Analysis
Competitor Analysis
Product Portfolio
Branch Portfolio
Channel Portfolio
Bank Portfolio & Treasury
Stock Lending/Repos
Treasury Management
Treasury Administration
Asset Securitization
Factoring
Asset & Liability Committee
Bank Portfolio Analysis
Bank Portfolio Administration
IT Management Systems Administration
IT Policies & Plan
IT Arch Stds & Guidelines
Development Environment
System Development
Production Release
System Deployment
Systems Operations
Platform Operations
Systems Help Desk
Systems Assurance
Internal Network Operations
Buildings, Equipment and Facilities Property Portfolio
Site Operations
Site Administration
Equipment Administration
Equipment Maintenance
Utilities Administration
Maintenance
Finance Financial Statements
Financial Control
Financial Compliance Resolution
Tax Administration
Human Resource Management HR Policies & Plan
Employee Assignment
Employee Record
Employee/Contractor Contract
Employee Certification
Employee Assessment
Employee Payroll & Incentives
Travel & Expenses
Employee Access Profile
Employee Benefits
Workforce Training
Recruitment
Business Direction Corporate Strategy
Corporate Policies
Product & Service Policies
Business Architecture
Continuity Planning
Business Command & Control
Business Unit Budget
Business Unit Financial Analysis
Business Unit Financial Ops
Business Unit Accounting
Organizational Model
Business Unit Operations
Business Unit Administration
Knowledge & IP Management
Management Manual
Intellectual Property Portfolio
Knowledge Exchange
Corporate Relations Corporate Communications
Corporate Alliance/Stakeholder
Corporate Relationship
Regulatory & Legal Authority
Investor Relations
Servicing Issue
Case Management
Case Resolution Analysis
Customer Case
Card Case
Cross Product Operations
Payments Execution
Check Processing
Cash/Currency Inventory
Wire Room
Transaction Engine
Customer Account
Position Management
Accounts Receivable
Account Reconciliation
Fraud Detection
Rewards Points Account
Collateral Management
Collateral Asset Administration
Collections
Consolidated Customer Activity
Card Issuance
Rewards Points Agreement
Billing Services
Document Mgmt & Archive
Document Services
Archive Services
Correspondence
Product Management Product Design
Product Combination
Product Deployment
Product Training
Product Quality Assurance
Product Pricing Facility
Servicing Position
Servicing Activity Analysis
Contact Routing
Contact Dialogue
Interactive Help
Channel Management
Channel Operations
Branch Currency Distribution
Distribution Operations
eTrading
Product Inventory Item Mgmt
Product Inventory Distribution
Market Data Market Feed Administration
Market Feed Operation
Market Information Management
Financial Market Analysis
Financial Market Research
Quantitative Analysis
Market Data Dissemination Admin
Market Data Dissemination Ops
Financial Instrument Maint.
Reference/Directory Management
Counterparty Administration
Credit Agency Svs.Operations
Non IT and HR Enterprise Services
Internal Audit
Procurement
Fixed Asset Register
Legal Assurance
Supplier Management
Company Billing & Payments
Customer Relationship Plan
Customer Agreement
Customer Product Coverage
Customer Event History
Customer Behavioral Insights
Customer Credit Rating
Account Recovery
Party Party Data Management
Party Profile
Commission Agreement
Commission Transaction
Product Matching
Sales Planning
Offer Management
Underwriting
Product Expert Sales Support
Consumer Products
Secured Loans
Unsecured Loans
Consumer Finance
Current Account
Deposit Account
Card Facility
Card Authorization
Card Capture
Merchant Relations
Currency Exchange
Remittance Services
Trust Services
Brokered Product
Bank Drafts & T Checks
Consumer Investments
External Agency Credit Agency Service Sub.
Syndicate Management
Correspondent Bank
Sub Custodian
Product Broker
Product Service Agency
Contractor/Supplier Agreement
Involved Service Domains
Regulations & Compliance
Fraud/AML Resolution
Guideline Compliance
Regulatory Compliance
Compliance Reporting
Financial Accounting
Models Market Models
Gap Analysis
Credit Risk
Cust. Behavior Model Portfolio
Customer Behavior Model
Credit/Margin Policies
Production Risk Models
Operational Risk Models
Fraud Models
Fraud Detection
Liquidity Risk
Economic Capital
Business Risk
Copyright BIAN 2013 | Banking Industry Architecture Network
Key Achievements – Leveraging BIAN Service Landscape
Able to narrow down on the actual business
process in a short duration of time
BIAN provides standard uses
cases that can be used as starting
points
Able to define a common process that
was acceptable to both ING Belgium and
Netherlands
The standard uses cases
provided by BIAN helps when
discussing with SMEs
The design was completed in a short
period
BIAN provides the service
landscape view that greatly helps
in reducing design effort
The services components built are
easily reusable in other ING projects
BIAN encapsulates
capabilities within services to facilitate
reusability
Copyright BIAN 2013 | Banking Industry Architecture Network
Conclusion
BIAN Service landscape is a step forward for common
understanding across banks and has the potential to open-up
the banking service landscape in a standardized way.
Copyright BIAN 2013 | Banking Industry Architecture Network
Agenda
SunGard
IBM (BIAN - IFW)
Microsoft
ING - Infosys
SAP (2x)
Scotiabank
Singapore Management University
37
Copyright BIAN 2013 | Banking Industry Architecture Network
SAP CASE STUDY
Based on a BIAN – SAP Webinar Summer 2011
38
Copyright BIAN 2013 | Banking Industry Architecture Network 39
Copyright BIAN 2013 | Banking Industry Architecture Network 40
Copyright BIAN 2013 | Banking Industry Architecture Network 41
Copyright BIAN 2013 | Banking Industry Architecture Network 42
Copyright BIAN 2013 | Banking Industry Architecture Network
Agenda
SunGard
IBM (BIAN -IFW)
Microsoft
ING - Infosys
SAP
Scotiabank
Singapore Management University
43
© 2013 SAP AG. All rights reserved. 44
Industry Value
Map
E2E Solution
Biz Networks &
Value Chains
Business
Process Models
Message Flow
Models
Service
Landscape
Models
SAP Product
Architecture
Project “One Voice Banking” Future setup for higher value and scalability along the SAP value chain
Business Model Solutions
Products
1. HARMONIZE:
Solutions and Business
processes
2. STANDARDIZE:
services and service
domains
3. CONNECT:
Business and IT
Non SAP
Product Models
1
3
2
4. INTEGRATE:
SAP and non SAP
Imp
lem
en
tati
on
4
1:n
© 2013 SAP AG. All rights reserved. 45
Central Content Management in PowerDesigner Seamless navigation from value positioning to realization along the SAP Value Chain
Industry Value Map
E2E Solution
Business Process
Models
Message Flow
Models
Service Landscape
Models
SAP Architecture
Models
Reduce costs and
increase quality
Answer more
questions faster
Harmonized tool for
consistency and
scalability
© 2013 SAP AG. All rights reserved. 46
© 2013 SAP AG. All rights reserved. 47
© 2013 SAP AG. All rights reserved. 48
Copyright BIAN 2013 | Banking Industry Architecture Network
Agenda
SunGard
IBM (BIAN - IFW)
Microsoft
ING - Infosys
SAP
Scotiabank
Singapore Management University
49
Copyright BIAN 2013 | Banking Industry Architecture Network
Scotiabank
50
Scotiabank’s usage of BIAN Service Landscape as a functional classification scheme for SOA Services
Scotiabank has set up a repository for storing metadata of SOA services and the BIAN Service Landscape
has been configured to be the main functional classification scheme in the repository (refer to Figure 30
below). The benefit is that an open and comprehensive standard is leveraged so that services can be
classified consistently. Without the BIAN Service Landscape, the bank would have to resort to either
creating our own proprietary classification scheme or using a vendor provided scheme. The natural
consequence of classifying services consistently is to enable the ability to analyze gaps and overlaps as
more and more services are developed.
Copyright BIAN 2013 | Banking Industry Architecture Network
Agenda
SunGard
IBM (BIAN - IFW)
Microsoft
ING - Infosys
SAP
Scotiabank
Singapore Management University
51
Copyright BIAN 2013 | Banking Industry Architecture Network
SINGAPORE MANAGEMENT
UNIVERSITY CASE STUDY
52
SMU Bank
Developed and Managed by
The School of Information Systems
Singapore Management University
The implementation of a banking enterprise
architecture, as an evolving platform for learning
Presented by: Alan Megargel, Senior Lecturer of Information Systems
54
SMU Bank
• SMU as embarked on a multiyear programme entitled “SMU Bank for
Financial Services Education”, referred to as “SMU Bank“.
• Starting from a clean sheet, we are building a “teaching bank” from the
ground up, using today’s architecture best practices.
“The mission of SMU Bank is to become a world class
‘teaching bank’, generating an on-going supply of
undergrad and postgrad student projects whereby
classroom learning outcomes can be put into practice,
leveraging industry leading banking software and
enterprise platforms.”
SMU Bank Guiding Principles
1. SMU Bank shall exist for academic purposes only, to support
banking related coursework, labs, and student projects.
2. SMU Bank shall align to, and inform, SMU’s Unified Banking
Process Framework.
3. SMU Bank shall be assembled using a mixture of vendor products,
in order to demonstrate real world change scenarios:
– A core banking system replacement
– A bank merger, whereby multiple vendor products need to coexist
4. SMU Bank shall be a platform for collaboration with banks and
product vendors, for incubating new innovations.
55
56
(Flexcube)
Internet
Banking
Mobile
Banking Teller
Core
Banking
System A
Core
Banking
System B
Algorithmic
Trading
System
Content
Management
System
Existing platforms
available at SMU
can be integrated
into a teaching
bank
Banking apps to
be developed
through student
projects Payment
Gateway
SMU Bank Conceptual Model
SMU Bank Architecture Layers
57
Channels
• Solution Architecture specified
by postgrad students
• Prototypes developed by
undergrad students
• Consume services via the ESB
using SMU Bank standard data
semantics and WS-* standards
• Used to support hands-on labs
for both undergrad and postgrad
course modules
Copyright BIAN 2013 | Banking Industry Architecture Network 58
Thank You!